Modernizing the Mortgage Journey: A Deeper Look

Modernizing the Mortgage Journey: A Deeper Look

From Market Pulse by Equifax

January 20, 2026 · 32 min · Episode 71

About this episode

Bobby Deery interviews Praveen Chandrahomhan about the impact of AI on the mortgage lending process.

Bobby Deery sits down with Praveen Chandrahomhan, SVP of Origination Growth at Cotality, to explore how AI is reshaping mortgage lending. They discuss the rise of “micro AI” in origination, the balance between speed and empathy in the borrower journey, and why personalization and retention are becoming critical in a purchase-driven market. In this episode: How is AI changing mortgage lending? AI is improving customer service, underwriting, document processing, and workflow automation while keeping humans in the loop. AI helps lenders increase speed, accuracy, and empathy throughout the borrower journey. What mortgage challenges does AI help solve? The conversation highlights how AI reduces friction, improves clarity for borrowers, lowers operational costs, and supports more personalized experiences—especially in a highly regulated, purchase-driven market. Why are personalization and retention so important right now? With fewer refinance opportunities and evolving trigger legislation, lenders are prioritizing retention and relationship-based lending. AI-powered data and automation help lenders stay connected to borrowers across the full lifecycle of homeownership.

People in this episode

Host: Bobby Deery

Guest: Praveen Chandrahomhan

Topics covered

  • mortgage lending
  • AI in finance
  • customer experience
  • personalization
  • retention strategies
  • workflow automation

Keywords

  • mortgage
  • AI
  • customer service
  • underwriting
  • personalization
  • retention
  • workflow automation
  • homeownership

Mentioned in this episode

Organizations: Cotality, Equifax

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